# Valley Opportunity Council, INC. 401(k) Plan
Source: https://planprovider.pro/companies/valley-opportunity-council-in-401k-plan

> Valley Opportunity Council, INC.'s 401(k) plan: 361 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Valley Opportunity Council, INC.

- **Sponsor EIN:** 042692763

- **Sponsor Address:** 35 MT CARMEL AVE, CHICOPEE, MA, 010134113

- **Plan Type:** 401(k)

- **Total Participants:** 361

- **Total Assets:** $8.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|361|$8.2M|$266,665|$365,781|

| 2023|357|$7.1M|$229,204|$297,693|

| 2022|268|$6.2M|$807,328|$291,569|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| MUTUAL OF AMERICA INVESTMENT CORP|RECORD KEEPER|$10,137|—|$10,137|

| WHITTLESEY PC|Auditor|—|—|$0|

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $10,137

- **Estimated Expense Ratio:** 0.124% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$10,200|—|—|—|—|

| 2023|$3,692|—|—|—|—|

| 2022|$3,495|—|—|—|—|

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